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Home Comfort Financed and Delivered

Energy saving home improvements, end-to-end professional service, SEAI grants and a low rate credit union loan. We’ll take it from here.

St. Raphael's Garda Credit Union

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Low Rate

A low rate loan with all the flexibility you can expect from your friendly, local credit union

End to End

Our loan can finance the project while REIL will handle the grant application and the retrofit works

Applying Is Easy

Simply fill out our expression of interest form and we’ll take it from there.

SEAI grant

Get an SEAI grant and a low rate loan for improving your home’s energy efficiency

With a ProEnergy Homes Loan, comfort costs less.

ProEnergy Homes is a unique credit union initiative supported by the Sustainable Energy Authority of Ireland (SEAI) in association with Retrofit Energy Ireland Ltd. (REIL).

We’re here to make warmer, healthier, energy-effcient homes more affordable.

ProEnergy Home Benefits :

» Discounted Survey Fee: €90.00 home survey fee that is deducted from the final quote if you proceed with work

» SimpleProcess With expert advice

» Grant on works Up to 35% from SEAI subject to eligibility criteria

» Flexible Loan Options From your credit union for the balance

» Dedicated Project Manager From start to finish

» Energy Efficient Home Better performing, more comfortable

Start your application online here

Professional Team

» SEAI: the energy saving experts, offering grant funding

» St. Raphael’s Garda & District Credit Union: the flexible finance experts, offering a lower-interest rate loan for the balance, with all the usual benefits.

» REIL: the master contractors, bringing the know-how, and the can-do.

Enquire
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  • Expression of Interest

  • Your Details

  • This is located on your electricity bill.

  • Property Details

  • Must be older than 12 years
    Tick all applicable

  • Important information regarding Data Protection and Privacy Notice

    Important information relating to credit review, data protection and privacy is found in the data protection and privacy notice

  • Terms and Conditions

    • Grants are subject to availability
    • Grant amounts vary based on property type and upgrade works undertaken. €35,000 grants would be available for a detached property upgrading from an F to an A2 energy rating and availing of all possible upgrades. Eligibility criteria and terms and conditions attach to grants. Further information on terms and conditions relating to grants is available from SEAI at www.seai.ie .
    • To determine your eligibility for grants, REIL will perform a home consultation for a set fee of €123. A BER assessment may also be required on your property and this would typically cost €250. The consultation fee will be refunded if your home is not eligible for grants. It will also be refunded against the cost of works if your home is eligible and you choose to proceed with REIL. Your home survey report will detail any terms and conditions attaching to any grants you are eligible for. For certain works additional surveys may be required at additional cost. REIL will advise of all options available to you before you incur any cost.
    • There is no obligation to use REIL to access a reduced rate loan for home energy upgrade works.
    • For all loans; lending criteria, underwriting and terms and conditions apply.
    • This is a variable rate loan. This rate applies to new loans only.
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Qualifying Works

Insulations

  • Attic
  • Cavity Wall
  • Internal Wall (Drylining)
  • External Wall

Heating Upgrades

  • Heating Controls
  • Solar Thermal Panels
  • Heat Pump

Other

  • Windows & Doors
  • Solar (electricity) and Battery

 

Learn More About Applying For ProEnergy Homes Loan

Who can apply?

This scheme is open to members of St. Raphael’s Garda & District Credit Union to improve the energy efficiency of their home (once it was built prior to 2006), either by insulating the roof or walls, upgrading the heating or by making a number of recommended energy-saving improvements.

How do I apply?

Fill in the Expression of Interest Form and one of our team will call you back to assist with your application.

A low rate loan means a rate under 6.95% (7.18% APR) for example, €10,000 borrowed over 5 years would have monthly repayments of €197.82. Total cost of credit would be €1,868.71 at an Annual Percentage Rate (APR) of 7.18%

*APR stands for Annual Percentage Rate. This is a variable rate loan. This rate applies to new loans only.

 

When providing credit under this scheme, participating credit unions are regulated by the Central Bank of Ireland.

St. Raphael’s Garda Credit Union is regulated by the Central Bank of Ireland.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Warning: The cost of your monthly repayment may increase.